Two Rivers Bank & Trust
Burlington, IA·RSSD 3320781·FDIC 58013·bank:3320781·CBLR opted in
- #25 of 230Total assets in Iowa
- 13offices
- 154employees
- #2 of 195Lowest cost of deposits in Iowa
- Top 2%Cost of deposits vs. peers
Performance over time
22 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Two Rivers Bank & Trust
6 of 24 FORFI signals stand out against 629 similar banks, based on FDIC data for the quarter.
Deposit costs falling faster than peersStrength: Funding0.63%peers 1.94%-131 bps
Two Rivers Bank & Trust's cost of all deposits fell 139 bps over the past year to 0.63%. Among 623 similar banks, the median fell 21 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Cost of all deposits | ||
| 0.63% | 1.94% | -131 bps |
| 12-month change | ||
| -139 bps | -21 bps | -118 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Two Rivers Bank & Trust itself is left out of every peer median and percentile. How signals work
Net interest margin narrowing while the peer median widensWorth a look: Earnings1.26%peers 3.69%-242 bps
Two Rivers Bank & Trust's net interest margin fell 186 bps over the past year to 1.26%. Among 627 similar banks, the median rose 26 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Net interest margin | ||
| 1.26% | 3.69% | -242 bps |
| 12-month change | ||
| -186 bps | +26 bps | -212 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Two Rivers Bank & Trust itself is left out of every peer median and percentile. How signals work
Unrealized securities position improving faster than peersStrength: Capital0.0%peers -7.6%+7.6 pp
Two Rivers Bank & Trust's unrealized securities gain or loss relative to Tier 1 capital rose 17.6 percentage points over the past year to 0.0%. Among 627 similar banks, the median rose 3.2 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Unrealized securities gain or loss relative to Tier 1 capital | ||
| 0.0% | -7.6% | +7.6 pp |
| 12-month change | ||
| +17.6 pp | +3.2 pp | +14.4 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Two Rivers Bank & Trust itself is left out of every peer median and percentile. How signals work
Loans shrinking while the peer median growsNotable: Lending-4.9%peers +5.9%-10.8 pp
Two Rivers Bank & Trust's loans declined 4.9% over the past year to $876 million. The median among 622 similar banks was +5.9%.
| This institution | Peer median | Difference |
|---|---|---|
| Loans, 12-month growth | ||
| -4.9% | +5.9% | -10.8 pp |
| Loans | ||
| $876 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Two Rivers Bank & Trust itself is left out of every peer median and percentile. How signals work
2 more observations
- Deposit costs among the lowest of similar banksFunding
- Return on assets falling while the peer median risesEarnings
Key facts
- Two Rivers Bank & Trust is a bank headquartered in Burlington, Iowa. It reported $1.2 billion in total assets for the quarter ended March 31, 2026.
- Deposits totaled $1.1 billion, up 1.1% from a year earlier, and loans totaled $876 million, down 4.9%.
- Its net interest margin was 1.26% and its annualized return on assets was 0.39% for the quarter.
- Its cost of all deposits was 0.63%, compared with a median of 1.94% among 624 similar banks with $1 billion to $3 billion in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Two Rivers Bank & Trust's own data, FORFI would look at: Which depositors and relationships drive the change in funding, and what to offer them next.
Analysis workspaces
Sources and identifiers
- Institution
- Two Rivers Bank & Trust · Bank
- Federal Reserve RSSD
- 3320781
- FDIC certificate
- 58013
- Reporting period
- Peer group
- 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Two Rivers Bank & Trust itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-01-01 through 2026-03-31 · Annualization factor 4.055556 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $1.15M | — | |
| $5.08M | — | |
| $1.63M | — | |
| $3.46M | — | |
| $862K | — | |
| $2.8M | — | |
| $0 | — | |
| $0 | — | |
| 0.39% | 0.39%ROAQ · Quarter | |
| 1.26% | 1.25%NIMYQ · Quarter | |
| 64.84% | 56.27%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-24T23:15:30.441988+00:00. Separate reference provenance is included in the export.